NAVY FEDERAL CREDIT UNION

2018-10-10

Gretna, LA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: Hi I been trying to dispute a account with navy federal credit union for the longest because I never had an account with them the address they say they have on file that the card was sent to I havent stayed they in 6 years
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-10

Fort Pierce, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-10

Colosse, NY

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-10

Leesville, CA

Opening an account

Checking or savings account: Other banking product or service

Unable to open an account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-10

CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I had a Charged Off loan with Navy Federal and was able to settle this debt in XX/XX/XXXX. The amount was settled for less and was agreed to the {$2400.00}. I have a written agreement from Navy Federal that I have satisfied my debt on this loan and there would be no further action needed on my part. I have contacted XXXX on this matter and there's no resolution and made me go to creditor. I have also called them and they insisted that I " wanted to pay '' the debt, when in reality I wanted to inquire about re-establishing an account, not opening an old debt. I received a FICO notification XX/XX/XXXX saying that I owe in the amount of {$4500.00}. They re-opened this charge off that was settled because I Inquired about " re-establishing '' my membership with them. This is now on " bad collection debt '' and has severely affected my credit profile. I no longer owe this debt due to settlement and needs to be deleted all together as it has affected my other creditors relationship and are threatened with closure.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Timely Response

2018-10-10

Newnan, GA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Current balance of loan reporting over {$4000.00} when balance should be {$2800.00}. Set up settlement for payment of {$1700.00} to be paid however the first representative stated balance was XXXX and they would accept XXXX. Called to verify a few weeks later before payment and the representative stated balance was now over {$4000.00}. Would like balance to reflect {$2800.00} as stated by previous representative before payment made and account removed from reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-10

Palm Harbor, FL

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: On or about XX/XX/XXXX, I got a car loan from the Navy Federal Credit Union. I purchased also a loan disability Insurance from their Loan Insurance administrator XXXX. At this time I was on XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I got a XXXX XXXX/XXXX from the XXXX XXXX with XXXX % XXXX from the XXXX/XXXX ( XXXX/XXXX XXXX XXXX ) and a year later ( XX/XX/XXXX ) I have been awarded XXXX % XXXX for ( Service connected ) injuries. I was not able to follow up with my car loan payments and I asked the NFCU for my Car Loan insurance Coverage! The NFCU/ XXXX denied my claim and on XXXX they reposessed my XXXX XXXX XXXX XXXX! I owed at the time over {$26000.00}!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-09

Jonestown, TX

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-09

Houston, TX

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: I'm a veteran and open a saving and checking account with Navy Credit Union. I also open a money market account. I deposit several thousands and requested to get a personal loan for XXXX. I have excellent credit and no challenges. My debt to ratio is extremely low and have paid all accounts as described. I also have enough income to cover the loan amount. I questioned the desired amount and it was 12k less then what I asked and I still would need to place 3 % down. I question the amount with phone rep and she turned the conversation around and attempted to stop my interaction by phone or in person with Navy Credit Union. Presently I cant speak with teller at bank or by phone and I have money in Checking and money market account. They refused to allow me to do business with them and I cant enter bank to address anything about my account or by phone. I'm still seeking clarification why my loan requested was denied. Since there no reason for the denial.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-09

Antioch, TN

Opening an account

Checking or savings account: Savings account

Unable to open an account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-09

Cheverly, MD

Problem with a lender or other company charging your account

Checking or savings account: Savings account

Transaction was not authorized
Complaint: I paid my mortgage and I had over drawn my account but was advised that I had until XX/XX/2018 to bring the account current. And I had 30 days and I have been in communication with them about the money that was paid I owed XXXX I paid money on the balance. I closed my son account due to them going into his account and taking the money out. I need someone to look into this company navy federal credit union to get my money back into my son account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-09

Bronx, NY

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-08

Jacksonville, FL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-06

FL

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: An account was opened fraudulently in my name ( navy federal ) while I was overseas. The account was opened online. They did an investigation and still said I was responsible. Which I dont t understand if I was overseas. Plus my last known address in the states was completely different. Ive been dealing with identity theft for a long time and trying to fix everything.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-04

Grand View, ID

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: I have been a customer of Navy Federal Credit Union for 6 years. They continue to take advantage of veterans using unfair business practices and misleading information. I did a lot of research for getting a debt consolidation loan and collected my balances, income information, and various other documents in order to apply. When I applied online, I was not given the option to even provide this documentation and was automatically denied by their automated system. Usually with banks they will at least evaluate the situation in order to find the best solution. Instead I was just treated not like a person at all. After contacting the bank they refused to work with me, or hear my case out. I've had several issues with Navy Federal over the past 6 years and feel like they take advantage of veterans by advertising they specially cater to them when in reality they don't.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-04

Other transaction problem

Money transfer, virtual currency, or money service: International money transfer

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-04

Bowie, MD

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-04

Main Office, VA

Problem with cash advance

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: Earlier this year Navy Federal credit union did an unauthorized transfer from my checking account to an installment loan without notifying me. This resulted in checks that I previously written being returned for non-sufficient funds. Navy Federal then charged me a NSF returned check fee, when the reason there was not sufficient money available and the returned was because they took it upon themselves to make an unauthorized transfer out of my checking account without notifying me. Then Later they completed another unauthorized transfer from my checking account to a revolving line of credit as a payment. I did not authorize this transfer either and was again not notified. That and that unauthorized transfer over-drafted my checking account. Most recently Navy Federal yet again did an authorized advance from my line of credit to my checking account to cover the overdraft that they caused In the first place, and the bogus fees that also were a result of their bad business practices of transferring money between customers accounts without notification or authorization. The unauthorized draft that they did from my line of credit account put my line of credit over its credit limit of XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-03

Arco, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Faxed and called all 3 credit reporting agencies with proof of paid in full statement from creditor. However credit reporting agency still have not corrected information.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-03

Val Verde, TX

Closing on a mortgage

Mortgage: VA mortgage

Complaint: Bought sight unseen before my husband was XXXX here in Texas. We hired an inspector, who recommended hiring a structural engineer to double check foundation -- structural engineer cleared foundation stating it needed " no fixes ''. We closed XX/XX/XXXX and not even a few weeks later started to notice doors swinging open and some not locking. My husband XXXX to XXXX in XX/XX/XXXX and by XX/XX/XXXX we had an estimate by XXXX XXXX XXXX XXXX when they let us know our foundation was in horrible shape and recommended taking action against the structural engineer because the foundation didn't sink over 5 inches in even a year and was definitely in not okay shape when we bought. On XX/XX/XXXX I hired XXXX XXXX XXXX to give us a second opinion estimate about our foundation and had to bring out a plumber out the same exact time because our washing machine drain was " clogged ''. XXXX was very upset the house ever passed inspection because it is now 8.5 inches sunk over our kitchen and laundry room and this had been exacerbated by the drought, but this absolutely was in horrible shape when structural engineer came out. XXXX took me around my house and showed me places the seller tried to hide severe foundation issues -- replacing roofing shingles, putting siding over entire fireplace brick wall that is pulling away from home, placing rooking shingles and tar on foundation to cover cracks, putting 2 thin boards on top of brick column that holds up roof to make it level, cutting bottom of doors throughout the home to have them clear the tiled floor ( the estimate to fix was {$42000.00} ). The Plumbing company that came out also on XX/XX/XXXX took less than a minute to walk into my kitchen and realize it is my foundation crushing my plumbing that is causing easy blockage in the pipes, they flushed them to try and help me, but they also told me that soon the plumbing would be compromised completely ( estimate to fix is ~ {$10000.00} - {$20000.00} ). On XX/XX/XXXX I hired XXXX XXXX with XXXX XXXX, a licensed structural engineer to take a look at our house and he was furious the house ever passed ANY kind of inspection, either visual or in depth. After receiving his final report he stated that entire fireplace brick wall is a hazard and at risk of collapsing in the next few years, there are severe drainage issues throughout home, the roof distress ( hills in the roof structure ), the brick column with 2 boards holding up the corner of the front porch roof is HOLLOW which is a building code violation, front door is not parallel along with many of the doors in the house. Also, the seller 's disclosure is incorrectly filled out, which listing agent did not catch and should have seen. I called Navy Federal Credit Union on Monday, XX/XX/XXXX to discuss the issues with the transaction, the evidence of fraud and negligence that should have eliminated the property for a home loan and their only response was " it's a legal issue that doesn't deal with Navy FederaXXXX and you need to talk to the VA. '' I have been in contact with XXXX XXXX, agent at the VA Loan Guaranty Dept, for several weeks about this issue and he stated " Good afternoon XXXX, Thanks for sending these documents over. We have also requested a copy of the loan file from Navy Federal as well. As I mentioned to you when we spoke, Im not really sure how we can assist in this situation but we are willing to review the loan file and documents you have provided. It would seem that the issues on this loan should be addressed directly with either the Structural Engineer or your Realtor. '' I have already discussed this with an attorney and the structural engineer has no fiduciary duty to us because we didn't directly pay him, and I am in the middle of filing a complaint with Texas Real Estate Commission against the listing agent. I have also been in contact with XXXX XXXX at the Inspector General 's office and he mentioned the VA Loan Guaranty Dept should be helping in this situation and so should my bank especially when I have evidence that the home never met the Minimal Property Requirements for a VA loan. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-03

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-03

PA

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: I searched XXXX on XX/XX/2018 at approximately XXXX for tickets to see XXXX XXXX perform at the XXXX XXXX XXXX XXXX in XXXX XXXX, MD the following night. I responded to an ad and begin texting with " XXXX XXXX '' of phone number XXXX and email address XXXX. I was texting the phone number and I sent a test email to her email address, so they both were active as listed at the time. I agreed to buy the tickets advertised and asked to see a ticket purchase confirmation, which she provided via screenshot. I wanted to pay via XXXX, but she convinced me to use a service called XXXX, which I had never heard of. I researched it, it is a legitimate service, and it was offered by my bank, Navy Federal Credit Union, which made me feel safe. I figured the transfer must be bank to bank, so the receiver of the funds should be traceable by name and social sec number like my account is at my bank. I transferred {$500.00} dollars for four tickets to " her husband '' ( XXXX ), but after the transfer, the email accounts and the cell phone number were both taken out of service. I never received the tickets or any further communication. I filed a fraud complain with Navy Federal Credit Union, but they rejected it since I agreed to complete the transfer. That is, it was not an unauthorized withdrawal ( theft from my account without my knowledge or authorization ). Since the money went from my bank account to some other bank account via XXXX ( through Navy Federal ), I would think the receiving bank would have some evidence of who opened that account and with what ID / soc. sec. number. I would appreciate your help. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-02

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2018-10-02

Columbia, MO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-02

Newnan, GA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CU with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response